Syfe
MoneySmart Exclusive

Syfe

Syfe is Asia’s leading investment and saving platform, empowering people to build their wealth for a better future. Fully licensed in Singapore, Hong Kong and Australia, Syfe offers managed portfolios, cash management solutions, digital retirement advisory and brokerage, making it the region’s leading all-in-one wealth management platform. In Singapore alone, Syfe manages over HK$ 10B in assets and nearly 5% adult citizens are using the platform to achieve their financial goals.
HK$0
Minimum investment amount
0-0.65%
Annual Management Fee
15.8%p.a.
Syfe Income Max 2025 return

Apply through MoneySmart and redeem for any of these:

MoneySmart Exclusive

Get cash upfront in Sep, plus monthly interest】 From Sep 1–30, visit Syfe via the MoneySmart designated link, click "Get Started," enter referral code【MS26】to open an account, then within 14 days of depositing the required amount, select any portfolio and maintain it for 120 days*.

 

HK$100,000 deposit: HK$400 cash*/ HK$500 PARKnSHOP e-Voucher
HK$200,000 deposit: HK$700 cash*/ TEA CHÂTEAU Modern Tea Machine Set (Value: HK$1,838)
HK$500,000 deposit: 🔥 HK$1,800 cash*/ PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788)
HK$1,000,000 deposit: HK$3,000 cash* / BoseQuietComfort Ultra Headphones (2nd Gen) (Value: HK$3,799)

 

‼️ 120-days retention applies only to all profolios
‼️ Click【More Details】for full campaign and reward details

Valid till 30 Sep 2026

ARE YOU ELIGIBLE?

  • This promotion is for new users who open an account using MoneySmart promo code「MS26」during the promotion period

  • Reward eligibility is based on the deposit date and completion of the account opening process

  • New customers must be aged 18 or above, hold a valid Hong Kong ID, and have a HK correspondence address.

     

    *Not available to US/Chinese citizens, residents, or US green card holders.

  • Successfully complete and submit the MoneySmart Reward Redemption Form by 15 October 2026, after opening the Designated Account within the Promotion Period. Applicants must provide their Syfe Account ID (8 digits) in the 'Application Reference Number' section of the MoneySmart Reward Redemption Form.

WHAT YOU NEED TO KNOW

  1. *Income+ portfolio is built with an objective to achieve a target monthly payout range, in current market environment. Target monthly payout is not guaranteed, and is subject to market movements. Past distributions are not necessarily indicative of future trends, which may be lower. A positive monthly payout or distribution yield does not imply a positive return. Source: Syfe, fund factsheets. As of 30th Jun 2026. Statistics are based on the weighted fund allocation within each Income+ portfolio. Learn more

  2. New customer must use promo code「MS26」when opening an account to be eligible.

  3. If the minimum balance or the specific lock-in requirement is not satisfied, Syfe Hong Kong Limited reserves the right to claw back the reward upon any withdrawal from the portfolio.

  4. After completing the first deposit, the funds/assets in the account may be used to invest in profolios. Any gains or losses resulting from related investments will not affect the official record of the client’s initial deposit amount.

  5. Before applying via the designated MoneySmart link, you must:
    - Disable any ad blocker (or similar functions)
    - Clear your browser cache and cookies
    - Do not use “Incognito Mode

  6. Reward Conditions and Gift Selection
    During 1 - 30 Sep, must use promo code【MS26】when opening an account and meet the retention requirements to be eligible for the reward.
    1️⃣ For a first deposit of HK$100,000, select any investment profolio within 14 days. Hold for 120 days choose one
    1. HK$400 Cash (automatically redeemed from 4,000 SmartPoints, directly deposited into your FPS account)
    2. HK$400 Apple Store Gift card
    3. HK$500 PARKnSHOP e-Vouchers
    4. HK$500 HKTVmall e-Voucher
    2️⃣ For a first deposit of HK$200,000, select any investment profolio within 14 days. Hold for 120 days* choose one
    1. HK$700 Cash (automatically redeemed from 7,000 SmartPoints, directly deposited into your FPS account)
    2. HK$700 Apple Store e-gift card
    3. HK$800 PARKnSHOP e-Voucher
    4. HK$800 HKTVmall e-Voucher
    5. TEA CHÂTEAU Modern Tea Machine Set (Value: HK$1,838)
    3️⃣ For a first deposit of HK$500,000,**select any investment profolio within 14 days. Hold for 120 days* choose one
    1. 🔥 HK$1,800 Cash (automatically redeemed from 18,000 SmartPoints, directly deposited into your FPS account)
    2. HK$1,800 Apple Store e-gift card
    3. HK$2,000 PARKnSHOP e-Voucher
    4. HK$2,000 HKTVmall e-Voucher
    5. PHILIPS RO Water Dispenser ADD6910/90 (Value: HK$2,788)
    4️⃣ For a first deposit of HK$1,000,000,**select any investment profolio within 14 days. Hold for 120 days* choose one
    1. 🔥 HK$3,000 Cash (automatically redeemed from 30,000 SmartPoints, directly deposited into your FPS account)
    2. HK$3,000 Apple Store e-gift card
    3. HK$3,200 PARKnSHOP e-Voucher
    4. HK$3,200 HKTVmall e-Voucher
    5. Bose QuietComfort Ultra Headphones (2nd Gen) (Value: HK$3,799)
    ‼️ *120-days retention applies only to all profolios

  7. For questions on account opening, deposits, and portfolio selection, please refer to Syfe's FAQ page

Investment Details

  • All-in-one platform offering an easier way to grow long-term wealth through passive income, cash management and equity portfolios
  • Cash+ Fixed (HKD): 4.05% p.a. fixed interest rate (6-month term), no minimum/maximum investment, no extra requirements, no management fees
  • Income+: Discretionary managed portfolio service providing access to passive income opportunities
  • Income+ target monthly payouts: 6.0% to 10.0% p.a.
  • Income+ features: Institutional-grade fixed income strategies, navigation through market conditions and rising interest rates, low-cost income optimisation
  • Cash+ Flexi USD: 5.3% p.a.* yield on idle cash, high-quality money market funds, daily accruals, no limits, no lock-ups
  • Syfe Hong Kong Limited: Holds Type 1, 4 and 9 licences from Hong Kong Securities and Futures Commission
  • Full disclaimer available on website

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